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Investing Through the Ages

No Matter Your Age, It Pays to Save & Invest

When You Get Your First "Real" Job

Build an emergency savings of 3-6 mos.

Participate in a 401(k) and contribute to receive the full employer match.

If not, establish an IRA or Roth.

Establish a budget and spend less.

When You Get a Raise

Increase your contribution to your employer’s 401(k) or establish a Roth IRA.

When You Get Married

Determine your income and expenses.

Figure out your retirement contributions and the impact of a new tax filing status.

Review your need for life insurance.

When You're Thinking of Buying a Home

Start a short-term investment to fund your down payment and closing costs.

When You Change Jobs

Make changes in your investment strategy based on your new income.

Review your prior company’s distribution requirements for their 401(k) plan.

When You Have a Baby

Increase life insurance and cash reserves.

Start a college fund like a 529 plan.

When Your Children Leave the House

Increase your retirement savings.

A Financial Consultant Can Help You Decide:

Your financial plans based on your age.

How to develop a comprehensive plan.

How to put your plan into action.

How to understand your risk tolerance.

Call 800.533.6773, ext. 2107 to schedule an appointment with a financial consultant.

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